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• Major banks need to rectify deficiencies in the payments infrastructure

  • Bank
  • Money laundering
  • Published
  • News
  • Payments

  Published 2024-06-20 - FI is ordering Handelsbanken, SEB and Swedbank to rectify deficiencies in the payments infrastructure no later than December 2026. FI has also contacted the…
• Nasdaq Stockholm receives a remark and an administrative fine

  • Markets
  • Published
  • Sanctions

  Published 2024-06-19 - Finansinspektionen has decided to issue Nasdaq Stockholm Aktiebolag a remark and an administrative fine of SEK 100 million.

• Decision: Remark and administrative fine
• FI identifies transition risks in banks’ lending portfolios

  • Bank
  • Published
  • News
  • Reports
  • Sustainability

  Published 2024-06-04 - There are climate-related transition risks in Swedish banks’ lending portfolios. This is the conclusion of an analysis Finansinspektionen (FI) conducted by…

• Report: Transition risks in banks’ lending portfolios
• Fraud prevention in payment services

  • Bank
  • Consumer
  • Published
  • News
  • Reports
  • Frauds
  • Payments
  • Consumer
  • Pay

  Published 2024-05-31 - Fraud is a major and expanding societal problem that fosters organised crime. FI supervises that payment service providers follow the provisions set out in…

• Report: Fraud prevention in payment services (In Swedish)
• Interest rate puts pressure on indebted households

  • Bank
  • Consumer
  • Stability
  • Published
  • News
  • Reports
  • Mortgage

  Published 2024-05-29 - Households continue to be under pressure from both higher interest rates and other costs. This is evident in FI’s mortgage report. The report looks at new…

• The Swedish Mortgage Market Report
• FI Analysis 45: High risks in small and mid-sized commercial real estate firms

  • Bank
  • Stability
  • Published
  • Reports

  Published 2024-05-27 - Many smaller, unlisted commercial real estate (CRE) firms have a high loan-to-value (LTV) ratio and a low interest coverage ratio (ICR). This makes them…

• FI Analysis No. 45: High risks in small and mid-sized commercial real estate firms
• Stability in the Financial System (2024:1): A slightly better outlook in an uncertain environment

  • Bank
  • Insurance
  • Markets
  • Stability
  • Published
  • News
  • Reports
  • Payments

  Published 2024-05-27 - But new digital solutions also impose increased requirements on digital resilience, and it is important

• Stability in the Financial System
• Capital requirements of Swedish banks as of Q1 2024

  • Bank
  • Capital requirements
  • Stability
  • Published
  • News

  Published 2024-05-24 - Finansinspektionen publishes the capital requirements of the largest Swedish banks and credit institutions that belong to supervisory categories 1 and 2 as of…

• Capital requirements for the Swedish banks, first quarter 2024
• FI Analysis No. 44: Most People Have Lost Money Trading Cryptocertificates

  • Consumer
  • Published
  • News
  • Reports
  • Fintech
  • Payments
  • Cryptoassets

  Published 2024-05-23 - More than half of Swedes who traded in cryptocertificates over the past six years have lost money on their investments. This is despite the underlying market…

• FI Analysis 44: Swedish Retail Trading in Cryptocertificates
• FI would like the financial market to shift its sustainability work into the next gear

  • Stability
  • Published
  • Reports
  • Sustainability

  Published 2024-05-20 - There is a lot of work left to do before the financial market fully contributes to a sustainable economy. For example, firms need to be better at identifying…

• Sustainability – how has the financial sector progressed?
• Firms continue to offer consumers unsuitable products

  • Consumer
  • Published
  • News
  • Reports
  • Cryptoassets
  • Save
  • Consumer
  • Insure
  • Pay
  • Borrow

  Published 2024-05-08 - Expensive and complex products are unsuitable for most consumers. Despite this, firms offer such products on a broad front. This is one of the consumer risks…

• Consumer Protection Report 2024
• Operational disruptions in TRS 2 18–19 May

  • Markets
  • Reporting

  Published 2024-05-06 - There may be minor disruptions to both the production environment and the test environment of the TRS 2 system on 18–19 May due to planned maintenance.
• FI prioritizes particularly vulnerable sectors to combat money laundering

  • Money laundering
  • Published
  • Reporting
  • News
  • Reports
  • Payments
  • Cryptoassets

  Published 2024-04-17 - Money laundering is a global problem that allows criminals to transact large sums of money without revealing their illegal activities. In order to counteract…

• Report: Prioritised risks in anti-money laundering and combating the financing of terrorism

  Our supervision priorities for 2024
• FI Supervision 29: Advisors are not taking customers’ sustainability preferences into account

  • Markets
  • Consumer
  • Published
  • Reports
  • Sustainability
  • In-depth analysis

  Published 2024-03-28 - Six out of ten say that sustainability is important when saving money. Advisors at banks, investment firms and insurance intermediaries have an obligation to…

• FI Supervision 29: Sustainable advice is a challenge for firms
• Markets

  • Reporting

  Published 2024-05-24 - Here we gather technical information about national reporting and according to ESMA's framework.

• Letter: Update on the forthcoming changes to the reporting of holdings for funds (2018-09-28) ( < 1MB)

  Letter: Changes to the reporting of holdings for funds (2018-06-21) ( < 1MB)

  Schema and technical specifications of reporting of holdings (2019-09-26) (zip-file)
• FI Analysis No. 42: Gender differences in investment behaviour

  • Bank
  • Markets
  • Consumer
  • Published
  • News
  • Reports

  Published 2024-03-18 - The study confirms previous results showing that women are underrepresented in the stock market. The differences arise as early as three years of age, which…

• FI Analysis No. 42: Gender differences in investment behaviour
• 2024:1 Loan-to-value ratio for loans granted against collateral in residential property and included in the cover pool for covered bonds

  • Bank
  • Published

  Published 2024-03-11 - In this legal position, Finansinspektionen considers the matter of whether the cover pool for covered bonds issued prior to 8 July 2022 may consist of loans…
• Capital requirements of Swedish banks as of Q4 2023

  • Bank
  • Capital requirements
  • Stability
  • Published
  • News

  Published 2024-02-23 - Finansinspektionen publishes the capital requirements of the largest Swedish banks and credit institutions that belong to supervisory categories 1 and 2 as of…

• Capital requirements for the Swedish banks, fourth quarter 2023
• Ownership reporting

  • Bank
  • Reporting

  Published 2024-02-15 - Financial entities are obligated to report larger holdings, for example subsidiaries and other ownership interests.

• Ownership reporting
• Our supervision priorities for 2024

  • About FI

  Published 2024-02-08 - Our supervision priorities for 2024

• Supervision priorities 2024
• Our supervision priorities for 2024

  • Consumer
  • Stability
  • Published
  • News
  • Sustainability

  Published 2024-02-08 - Are consumers being offered the right services on the financial market? How is the sector delivering crucial services in an uncertain global environment? How…

• Supervision priorities for 2024
• Reciprocation of macroprudential measures in other countries

  • Bank
  • Capital requirements
  • Stability

  Published 2024-01-31 - According to the capital adequacy regulations (Capital Requirements Regulation and Capital Requirements Directive), a country can ask other countries to…

• Reciprocation of Norwegian systemic risk buffer (2023-06-01)

  FI reciprocates the extension of Norwegian risk weight floors (2023-03-28)

  Decisions regarding reciprocation of macroprudential measures in three EU countries (2022-06-29)
• Capital requirements for Swedish banks as of Q1 2024

  • Bank
  • Capital requirements
  • Stability

  Published 2024-05-24 - FI publishes the capital requirements for Swedish banks and credit institutions in supervision categories 1 and 2 every quarter.

• Capital requirements for the Swedish banks, first quarter 2024
• Finansinspektionen’s general guidelines on credits in consumer relationships
  • Bank
  • Markets
  • Banking and lending services
  • Payment services
  • Electronic money
  • Securities institutions
  • Other

  Finansinspektionen’s general guidelines on credits in consumer relationships
• FI Analysis No. 43: d-SRI: A systemic risk indicator for Sweden

  • Stability
  • Published
  • Reports

  Published 2023-12-14 - In this FI-analysis we adapt the systemic risk indicator d-SRI to Swedish conditions. d-SRI is intended to give an early warning signal before crises caused by domestic imbalances arise.

• FI Analysis No. 43: d-SRI: A systemic risk indicator for Sweden
• FI extends the risk weight floor for Swedish mortgage exposures

  • Bank
  • Capital requirements
  • Stability
  • Published
  • Memos & decisions
  • News
  • EBA
  • Mortgage

  Published 2023-12-14 - FI has decided to extend the risk weight floor by two years, from 31 December 2023 to 30 December 2025.

• FI’s decision (In Swedish): Beslut om riskviktsgolv för svenska bolåneexponeringar

  European Commission approves extension of the risk weight floor for Swedish mortgages (2023-11-09)

  FI notifies the EU regarding extension of the existing risk weight floor for Swedish mortgages (2023-09-13)
• FI Analysis No. 41: Commercial real estate firms may need to reduce their debt

  • Bank
  • Markets
  • Stability
  • Published
  • Reports

  Published 2023-11-28 - In this analysis, we estimate how much Swedish listed and larger privately owned commercial real estate firms need to reduce their debt in a climate of rising…

• FI Analysis No.41: Commercial real estate firms may need to reduce their debt

  Stability in the Financial System (2023:2): Adjustments to higher interest rates remain to be made
• Stability in the Financial System (2023:2): Adjustments to higher interest rates remain to be made

  • Bank
  • Insurance
  • Markets
  • Stability
  • Published
  • Reports
  • Payments

  Published 2023-11-28 - The higher interest rate means that households and companies need to make adjustments to their finances. Finansinspektionen (FI) is now seeing a decline in…

• Stability in the Financial System 2023:2

  Stability in the Financial System – Stability Assessment

  FI Analysis No. 41: Commercial real estate firms may need to reduce their debt
• Capital requirements of Swedish banks as of Q3 2023

  • Bank
  • Capital requirements
  • Stability
  • Published
  • News

  Published 2023-11-24 - Finansinspektionen publishes the capital requirements of the largest Swedish banks and credit institutions that belong to supervisory categories 1 and 2 as of the end of Q3 2023.

• Capital requirements for the Swedish banks, third quarter 2023
• Comparative figures for fund fees

  • Published

  Published 2023-11-15 - All adult Swedes save in funds – either through pensions or their own savings. When saving in funds, it is important to be aware of their fees. If a fee is…

• Memorandum: FI's calculation of fund fees